topic Re: AMEX Backdating Question in Credit Cards

AMEX Backdating Question

kr3st00 — Mon, 09 Jun 2014 22:48:41 GMT

Will they back date the date if you have a corporate card then open a personal one?

I've had a BGR since 2007 when I started working for my parents company. I am NOT the primary on the account but, my card does show MSD of 2007.

I just opened up a BCP card under my own. Is it possible to backdate to 2007? I just tried calling and the CSR I spoke to said I could not since I wasn't the primary. But, I do know I'm in their system since 2007.

I've seen people do it with personal to personal and business to person(primaries on both) but not <b>business(non primary) to personal(primary)</b>.

I hope I have been clear with this post and not too confusing. Just looking for some help!

Re: AMEX Backdating Question

kr3st00 — Tue, 10 Jun 2014 01:30:20 GMT

Sorry to be a pain. Just wondering if theres so more info on this.

Re: AMEX Backdating Question

wHiTeSoL — Tue, 10 Jun 2014 04:45:48 GMT

No. Each type has it's own MSD.

Personal

Business

Corporate

I have multiple of each and they each have different MSD(s)

Re: AMEX Backdating Question

Fico2Go — Tue, 10 Jun 2014 05:18:06 GMT

I CANNOT BELIEVE WHAT JUST HAPPENED TO ME. THANK YOU OP. THANK YOU MYFICO FORUM. This thread along with this one tonight gave me the courage to "give it a shot." I was a bit nervous and felt a bit funny but BINGO!

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-Backdating-Success/td-p/3159128

WhiteSOL, I dont think it matters if it's personal, business, or corporate. It's based on what you request. In my case I had an AMEX corporate card almost two decades ago. I can't recall if it was charged off or paid off. But based on my conversation with the CSR I don't think she had any idea or reference to my prior account with AMEX.

( PLEASE for your eyes only.. names have been changed for privacy )

info: Welcome to American Express Live Chat! The next available Customer Care Professional will be with you shortly.

For quality assurance, this chat may be recorded and monitored. For your security, please click “END CHAT X” to close this chat window before leaving your computer unattended or when chat is complete. Your estimated wait time is 0 minutes and 1 seconds.

info: You are now chatting with Anne.

Anne: Hi, welcome to American Express Chat. My name is Anne. How can I help you today?

you: Hello Anne. I would like to request a correction to my membership since date. My very first account with American express was back in 1995.

you: So I would like all three of my current cards to have that date as member since date.

Anne: I will do that for you with pleasure.

Anne: I am sorry for the incorrect update.

you: it's okay I did not realize it until I had time to look at them.

you:

Anne: (smile)

Anne: Let me quickly submit your request.

Anne: Am I chatting with Fico2Go?

you: yes

Anne: Thank you.

Anne: Would you like us to send the card with correct via standard delivery option?

you: yes please .. I will be traveling in two weeks. Is there a faster way?

Anne: Sure.

Anne: Let me make an arrangement for sooner card delivery.

Anne: Thank you for waiting.

Anne: I have successfully submitted your request. You can use your card till you receive the new one.

you: Fantastic! So I will be receiving three new cards soon?

Anne: I have submitted your request for the fist card.

you: I'm sorry to inconvenience u for the three requests.

Anne: I am sorry, I though it is incorrect only on one of the card.

Anne: No problem at all.

Anne: Let me process the request for other two cards.

you: it is on all three. They all have the incorrect year.

Anne: Please do not worry at all.

Anne: I will take care of all three cards.

you: I am happy with American express. Not leaving home without it.

you:

Anne: (smile)

Anne: I am also done with the second card.

Anne: Going for third one.

Anne: I have successfully submitted your request for all three cards.

Anne: So yes, you will now receive three different cards.

you: Fantastic! Will I be receiving all three cards in one envelop or separately?

Anne: They may be in three different package.

you: OK

you: Well Anne. Thank you for your responsiveness. You have a wonderful evening!

Anne: you too.

Anne: Have an excellent day ahead and take care fico2go (smile).

Anne: It was a pleasure to assist you today, please click here to end this chat and take a brief survey.

Re: AMEX Backdating Question

Anonymous — Tue, 10 Jun 2014 08:38:30 GMT

Congrats! I got mine backdated to 1995 also. Then my wife told me it was 1994, that we had our first Amex greem cards. So I did live chat again and got it changed to 1994 lol. It depends on who you get, some dont want to do it. Login in the morning and see if it updated, usually takes 24hrs.

Re: AMEX Backdating Question

Anonymous — Tue, 10 Jun 2014 08:41:55 GMT

Login to your account and do live chat. Tell them you have been an AU since 07 and want to have your MSD to match your AU account. Id say you will have no problem getting it done. Most people have better luck doing live chat.

Re: AMEX Backdating Question

Fico2Go — Tue, 10 Jun 2014 13:07:00 GMT

Strange thing happned this morning when logging into my account.

Two of my cards showed the MSD at 1995 but a third one shows 2011. HUH?

What do you guys suggest I should do?

Re: AMEX Backdating Question

kr3st00 — Tue, 10 Jun 2014 13:08:39 GMT

@Anonymous wrote:
OP
Login to your account and do live chat. Tell them you have been an AU since 07 and want to have your MSD to match your AU account. Id say you will have no problem getting it done. Most people have better luck doing live chat.

Ok so I just did it via the online chat and forgot to copy it for my records.

The CSR "James" was able to process the request and said it was done and I should receive my new card with the updated MSD in 7-10. I asked if there was ANY way to expedite it or speed up the process and he assured me there wasn't. :\

So it sounds like I was successfully backdated. But, should it also reflect online when I log into my account?

Re: AMEX Backdating Question

Anonymous — Tue, 10 Jun 2014 13:19:58 GMT

@kr3st00 wrote:
@Anonymous wrote:
OP
Login to your account and do live chat. Tell them you have been an AU since 07 and want to have your MSD to match your AU account. Id say you will have no problem getting it done. Most people have better luck doing live chat.
Ok so I just did it via the online chat and forgot to copy it for my records.

The CSR "James" was able to process the request and said it was done and I should receive my new card with the updated MSD in 7-10. I asked if there was ANY way to expedite it or speed up the process and he assured me there wasn't. :\

So it sounds like I was successfully backdated. But, should it also reflect online when I log into my account?

yes you were sucessful and they backdated to my corporate card too. It will update on your credit report the next time AmerEx updates the report

Congratulations

Re: AMEX Backdating Question

kr3st00 — Tue, 10 Jun 2014 13:25:41 GMT

@Anonymous wrote:
@kr3st00 wrote:
@Anonymous wrote:
OP
Login to your account and do live chat. Tell them you have been an AU since 07 and want to have your MSD to match your AU account. Id say you will have no problem getting it done. Most people have better luck doing live chat.
Ok so I just did it via the online chat and forgot to copy it for my records.

The CSR "James" was able to process the request and said it was done and I should receive my new card with the updated MSD in 7-10. I asked if there was ANY way to expedite it or speed up the process and he assured me there wasn't. :\

So it sounds like I was successfully backdated. But, should it also reflect online when I log into my account?

yes you were sucessful and they backdated to my corporate card too. It will update on your credit report the next time AmerEx updates the report
Congratulations

YES! Thank you for the clarification!

Re: AMEX Backdating Question

Fico2Go — Tue, 10 Jun 2014 13:44:56 GMT

@Fico2Go wrote:
Strange thing happned this morning when logging into my account.

Two of my cards showed the MSD at 1995 but a third one shows 2011. HUH?

What do you guys suggest I should do?

I took care of it.

Called CSR and got it changed. CSR said I should receive in 7-10 days. I requested sooner and he said sure he will put a note for it to expedite.

Some minor conflicting info on whether the cards can be shipped quickly but overall everything was easy cheesy.

Re: AMEX Backdating Question

takeshi74 — Tue, 10 Jun 2014 15:16:22 GMT

@Fico2Go wrote:

WhiteSOL, I dont think it matters if it's personal, business, or corporate.

Policy says no but that doesn't mean that people haven't been able to get around it.

Re: AMEX Backdating Question

Anonymous — Tue, 10 Jun 2014 15:25:53 GMT

Congrats OP! Usually takes 24hrs to update. Login tomorrow and should show adjusted MSD

Re: AMEX Backdating Question

Fico2Go — Tue, 10 Jun 2014 15:27:22 GMT

@takeshi74 wrote:
@Fico2Go wrote:

WhiteSOL, I dont think it matters if it's personal, business, or corporate.
Policy says no but that doesn't mean that people haven't been able to get around it.

Sure. In my case, I had a corporate card but under my SS# since I was CEO and carpet cleaner all in one.

Re: AMEX Backdating Question

kr3st00 — Tue, 10 Jun 2014 15:28:24 GMT

@Fico2Go wrote:
@takeshi74 wrote:
@Fico2Go wrote:

WhiteSOL, I dont think it matters if it's personal, business, or corporate.
Policy says no but that doesn't mean that people haven't been able to get around it.
Sure. In my case, I had a corporate card but under my SS# since I was CEO and carpet cleaner all in one.

I know how that is...